Edge7 Financial specialise in achieving your financial goals via a combination of financial services.

Budgeting

Edge7 align our clients budget to their goals using a realistic and sensible framework

Budgeting is the foundation upon which great wealth can be achieved.

Getting a handle on the household budget is one of those tasks that people put in the “too hard basket”.

But gaining and understanding of your finances and making better use of your surplus cash flow can result in amazing improvements to your long term wealth and lifestyle. The current superannuation scheme is just not sufficient in providing Australians with the retirement lifestyle that is deserved.  So, the best way to have financial independence and a better lifestyle is to use some of the money we earn to generate passive income primarily for retirement.

As an experienced financial advisor, I am here to help you get an understanding of what your current cash flow situation looks like and show you exactly where your money is going.

With strategic advice, we can use that extra money to create a passive income to change your future outlook.

If you are one of those people that puts budgeting in the too hard basket, let me ask you a couple of questions….

If someone was managing your finances and budget ten years ago, where would you be today?

If someone was to ask you that same question in ten years time, what do you want the answer to be?

If going forward, getting a handle on your household budget is important to you, why not get started now, complete your details and an experienced financial advisor will provide a complimentary consultation to you.

Property


Property, particularly the family home, is the most valuable asset owned by the majority of people, yet it does not get a mention by most financial planners in their statements of advice.

I believe that as property is the most valuable asset owned by the majority that it should be discussed as a significant part of most client’s financial profile and considered in their financial plan going forward.

Unless property is packaged up as a financial product that would generate a commission, most financial advisers won’t even discuss it.

So, why discuss it, if it is of no benefit to me?

Because I believe it is in my client’s best interests.

In considering my client’s current property assets and property aspirations I can develop holistic advice in the best interest of my clients.

There is plenty of advice that can be given…. upgrading the family home, buying an investment property, buying your first home, negative gearing strategies, which type of property to buy and which locations to buy.

Understanding what the future looks like for a client with regards to property helps me develop strategies around other aspects of my service offering.

Such as budgeting advice for the next property acquisition, perhaps setting up your own self managed super fund to buy property within, making sure my clients have adequate life insurance and income protection so that the property strategy remains intact for your family even if something were to go wrong and debt reduction strategies once you own property.

Property is the most valuable asset owned by many and in my view is the foundation block for building wealth. Other wealth building blocks can be built on top of a strong foundation and for that reason, a good discussion around property with my clients is imperative.

If you want to build a wealthier tomorrow and want to know how property can be your foundation or what to do once you have that foundation in place, get in touch today.


Many Australians have a love affair with property.  And, I must admit I am guilty of that too.

Investing in property whether it be buying your first home, upgrading the family home or buying an investment property comes down to two key considerations.

Those two considerations are your deposit and your ability to service your loan.

The strength of your deposit or the equity you put in upfront to make a property purchase is important because it means you are taking on less risk making it easier to buy the right property for you.

The ability to service the loan is the other key consideration.  Having a plan in place to make sure you are not only servicing your loan but getting ahead of the minimum repayments makes life a lot simpler.  Having the right plan in place with contingencies for life’s events is the best way to get ahead in the property market.

Whether you are a first time investor or a sophisticated portfolio builder, we can help you create a plan to meet your goals and objectives.

If you would like to find out what is possible and when it is possible, we can help you every step of the way in creating a strategic plan to help you build a wealthier tomorrow.

Superannuation

Edge7 Financial have an amazing Self Managed Super Fund (SMSF) offering that allows you to:

  1. Pay Lower Fees than a Retail or Industry Super Fund
  2. Have Full Control of Your Super
  3. Have Complete Flexibility and Investment Choice
  4. Enjoy Far Better Returns to Boost Your Retirement Nest Egg with The Uptrend Timing Strategy

The Uptrend Timing Strategy
The Uptrend Timing Strategy which one of our clients Lisa has used to her advantage to safely and reliably increase her retirement nest egg from $790K to $1.4M in five years.

The Uptrend Timing Strategy comprises a high quality share portfolio of between 10 to 25 ASX Shares.

This portfolio of up to 25 Shares is built as a result of Edge7 identifying the 40 Highest Quality businesses listed on the ASX. That is the best 40 companies (top 2%) out of the universe of 2,000 companies listed on the ASX.

This is my #1 strategy which then uses our unique charting system to time buying a portfolio of these top companies one-by-one as they each stop falling and start going up.

The Uptrend Timing Strategy Results since January 2010

To maximise your super, take advantage of Edge7’s Seven Steps and then get The Uptrend Timing Strategy.
We make it easy and the benefits include:

  1. SMSF Easy Set Up
  2. Better Returns courtesy of Financial Planning Investment Strategy and The Uptrend Timing Strategy
  3. Low Fees with No Hidden Fees and we are Not Paid Commissions
  4. Share Market Advice ie The Uptrend Timing Strategy (only if wanted)
  5. Access to SMSF Property Loans
  6. Ongoing Education, Complimentary Training and Ongoing Support
  7. We Take Care of your SMSF Accounts, Tax Return and Audit

Call us today on 1300 873 455 if you want the opportunity for an Amazing Lifestyle and Early Retirement.

Our Superannuation video below highlights the importance of maximising super for your future


Superannuation is very important for most people however most people do not have enough super when it comes time to retire.

It is true that only five percent of those who retired in 2014 were able to do so without government pension or hand outs.

What I am about to present will show why.  To do so, I thought I would do a quick whiteboard session to help illustrate the situation.

Data from the Australia Bureau of Statistics shows that the average annual earnings after tax is $72,600 for men and $57,500 for women.

And, that as of December 2015, the average superannuation balance at retirement for men aged 60 to 64 was $292,500 and for women aged 60 to 64 was $138,150.

Let’s explore how long the average wage earners average superannuation will last.

For, men their average super balance of $292,500 will only last four-and-a-bit years at $72,600.  Let’s say five years with some investment earnings.  That means that if the average male retired at age 62, they would be all out of their retirement money by age 67.  Their pockets would be empty.

For, women with what is the average super balance of $138,150 and an annual income of $57,500.  This means a woman’s superannuation spent at $57,500 per year would only last two-and-a-bit years.  Let’s be generous and round that to three years.  So, a woman retiring at age 62 has no super balance left by age 65.

Australian’s, I think we have a problem.  The data backs up the reality of why only five percent of the population is retiring comfortably.  And, these numbers above are the average meaning that half of the people have a retirement outlook that is actually worse than the picture presented.

There is plenty that can be done to improve the situation for each individual or couple.  However, it will not happen by itself.  It is going to take action in the form of budgeting, planning and implementing a strategy.  By acting, you could turn what is your super into something that is SUPERB.

If from watching this you think that you might have a problem when it comes time to live off your super and you want to talk to someone about your circumstances, fill in your details on the page here and I will be in contact with you very soon.

Self Managed Super Funds


Switching your Superannuation into your own Self Managed Super Fund can be a great way to take control of your own destiny and retirement plan.

Edge7 Financial set up SMSF’s for our clients to invest in a range of asset classes including deposits, direct shares, business premises, residential property and index funds.

We can set up your SMSF to best suit your needs depending on your financial profile and your attitude to investing.

If setting up your own Self Managed Super Fund is the right fit for you, we can help you every step of the way in creating a strategic plan to ensure you build a wealthier tomorrow.

Insurance


Many people put a lot of effort into working hard and improving their circumstances which I think is very commendable.

However, by comparison, not as much consideration goes into protecting your most valuable assets if something were to go wrong.  And, if something were to go wrong, could your family achieve all of your goals without the right insurance in place.

At Edge7 Financial, we believe that the choice to insure your most valuable assets is really a choice between the haves and the have nots if some unfortunate circumstances were to pass.

Insurance is one of those things that no one wants to pay for but those who do are sure glad they did if it is ever needed.

It is my duty of care to have a conversation around insurance with each of my clients and potential clients because it is so important to your family’s future outlook.

Retirement


At Edge7 Financial, we have a few key strategies we use for the benefit of our clients.

They are aimed at getting our clients to retirement earlier and with more income in retirement giving our clients more options on what to do with their time.

Our strategies are broadly around minimising tax in those years leading up to retirement and boosting your retirement balance.

If you want to see what is possible fo you, why not take advantage of our free consultation.

Shares

Edge7 Financial have created amazing share market offering called The Uptrend Timing Strategy.

The Uptrend Timing Strategy
The Uptrend Timing Strategy which one of our clients Lisa has used to her advantage to safely and reliably increase her retirement nest egg from $790K to $1.4M in five years.

The Uptrend Timing Strategy comprises a high quality share portfolio of between 10 to 25 ASX Shares.

This portfolio of up to 25 Shares is built as a result of Edge7 identifying the 40 Highest Quality businesses listed on the ASX. That is the best 40 companies (top 2%) out of the universe of 2,000 companies listed on the ASX.

This is my #1 strategy which then uses our unique charting system to time buying a portfolio of these top companies one-by-one as they each stop falling and start going up.

The Uptrend Timing Strategy Results since January 2010

Our share market offering can be used in conjunction with or independent of our financial planning advice.

Call us today on 1300 873 455 if you want the opportunity for an Amazing Lifestyle and Early Retirement.

 


Investing in the share market can be a daunting experience particularly for novice share market participants.  Many people consider the share market to be too risky and steer clear of it.

The share market is a place of opportunity but also a place full of pitfalls for many.

The share market is the most volatile asset class but on an unleveraged basis, history has shown that shares are the highest performing asset class.

Smart investors wanting to diversify across many asset classes know that while they want to capture the benefits of investing in the share market, the percentage of their total wealth invested in the share market should be relatively small in order to offset the level of volatility  within the share market.

Despite the volatility, smart investors want the benefits of investing in shares such as capital gains, income from dividends and the franking credits associated with dividends that can reduce their tax bill.

Not all but much of the risk of investing in shares can be mitigated by investing in only the best businesses listed on the market.  When you own shares in a company, your investment return is not a function of the whole market but the investment performance of the particular company you own shares in.

The best companies have a history of high profits, good dividends, strong cash flow, little or no debt and a bright outlook for the future.  Buying a diversified portfolio of shares in companies with these attributes significantly reduces the risk of investing in shares.

Whether you are a first time share market investor or a sophisticated portfolio builder, we can help you create a plan to meet your goals and objectives and build a wealthier tomorrow.

Debt Reduction


Loans, particularly mortgages, are an important source of money in our lives.  They enable us to purchase items that we would not be able to afford if we had to rely on the cash we had saved up.

However, loans do come at a cost.  The major cost is the interest charged by the lender.  The ancillary cost is the time it takes you to pay back that loan.  If debts take too much time to pay off, it can hinder doing what we really want to be doing with our lives.

Getting control of your debts can be difficult for some.  There is so much temptation around to have what we want now and in doing so take on credit card debt and loans to satisfy that desire.  But, too much debt can take a stranglehold on some individuals and households.

Sometimes all it takes is setting up the right plan which can give you flexibility and allows you to take back control of your debts, your circumstances and your life.

At Edge7 Financial, we set up that plan for customers in need of debt reduction help.  We then walk side-by-side with our clients to help them stay on track and maintain that control for their long term benefit.

Tax Minimisation


At Edge7 Financial, we use a couple of very clever strategies to minimise the tax paid by our clients particularly in those last ten years before they retire.

Our strategies see our clients boost their superannuation balance while minimising their tax and maintaining the same income.

This results in our clients having more money in retirement and retiring earlier than previously planned.

If you want to see what is possible for your circumstances, why not take advantage of our free consultation.

Mortgage Broking


At Edge7, we have fully integrated mortgage broking into our firm.

We have done this for a number of reasons:

Firstly, it makes sense and is a natural fit for our financial planning work.  In coming up with an amazing strategy for people that involves property investment, it makes sense to then provide an investment savvy home loan structure that is set up correctly so that our clients can easily and seamlessly take the next steps in their journey to a wealthier tomorrow.

Secondly, at Edge7, while we value the stability that home ownership provides in people’s lives we know that dealing with the banks can be stressful and confusing.  Whether you are a first home buyer, a family upgrading their home or investors building a property portfolio we take out the complexity for you.

Also, we can save you hundreds per month or thousands per year by finding a better deal and refinancing your existing mortgage.  Refinancing and finding those savings means you not only save money but you are also given the gift of time by owning your own home years earlier.

Furthermore, we are looking to build long term relationships with our clients and their families.  So, we will not just facilitate a home loan transaction but be by your side with our strategic financial expertise as you progress on your journey in the months and years ahead.

And, finally, in building those relationships, we can be helping financial planning clients who may be closer to retirement with their goals and lifestyle and also helping their young adult children aged in their 20’s and 30’s who are wanting to enter the property market and vice versa.  So, our full suite of services and relationship can extend between the generations.

If you’re looking for that combination of an investment savvy mortgage broker that wants to build a relationship and work in your best interest to save you thousands of dollars and years off your mortgage, contact us at edgeseven.com.au or call the office on 1300 873 455.

Asset Finance


At Edge7, we have fully integrated asset finance into our firm.

Whether you are purchasing an asset such as a new car or you are a business owner looking to maximise your cash flow and preserve working capital, we can tailor the right finance product to meet your needs in financing assets such as commercial motor vehicles, capital equipment, shop fitouts and office equipment.

We understand that cash flow is the key ingredient for households and business owners alike and we have a choice of leasing options across a panel of lenders with very competitive rates available.
Contact us today if you want to see how it is possible to have that new car in your driveway or the best finance product to help your business grow.

Estate Planning

Edge7 Financial have an amazing Family (Discretionary) Trust offering that allows you to:

  1. Protect Your Assets
  2. Pay Less Tax
  3. Enjoy Complete Flexibility and Investment Choice
  4. Distribute Income in a Tax Effective Manner
  5. Benefit Your Family with Inter-Generational Financial Planning

To maximise your future, take advantage of Edge7’s Seven Steps.  We make it easy and the benefits include:

  1. Discretionary Trust Easy Set Up
  2. Better Returns from our Investment Strategy Tailored to Your Needs from our Own Research
  3. Low Fees with No Hidden Fees and we are Not Paid Commissions
  4. Share Market Advice (only if wanted)
  5. Access to Property Loans
  6. Ongoing Education, Complimentary Training and Ongoing Support
  7. We Take Care of your Trust Accounts, Tax Return and Audit

Watch this Video to learn about the features and benefits of this special type of trust.

Call us today on 1300 873 455 if you want to Protect and Maximise Your Assets and Income.

Our Estate Planning video below highlights the importance of being proactive with your Estate Planning


Developing a proactive strategy around Estate Planning is doing what is in the best interest of your family.

Having the right Estate Planning strategy in place protects your family if something were to go wrong.

Having a Will along with Power of Attorney and Enduring Guardianship documents is essential for your family’s peace of mind at a difficult time.

Our Estate Planning strategies really are all about protect your family.

Complimentary Session “CompSesh”


Complimentary Session image
At Edge7, we believe that educating young adults about the importance of budgeting and money management is a great way to get our next generation off to the right start in their lives.

For existing clients, I will come and give your young adult children a complimentary session which I am calling the “CompSesh”. The CompSesh is ideal when you think your young adult children are ready to take on some information to help their future.

The goals of the CompSesh are to:

1. Help your children develop budgeting and smart money management skills for their financial future.

2. Get them off to the right start financially as they take the first step with their career.

As parents, your judgement of the timing of this session will be best determined by you.

Book Your Free Appointment
Simply fill in and submit the appointment booking form and Dean will be in contact with you shortly!